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Great Southern (GSBC)
:GSBC
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Great Southern Bancorp
(NASDAQ:GSBC)
Rating:81Outperform
Price Target:
$69.00
▲(8.68% Upside)
Great Southern Bancorp (GSBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$719.24M
Dividend Yield2.52%
Average Volume (3M)38.52K
Price to Earnings (P/E)10.8
Beta (1Y)0.78
Revenue Growth4.55%
EPS Growth16.84%
CountryUS
Employees882
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.72
Shares Outstanding11,328,345
10 Day Avg. Volume30,657
30 Day Avg. Volume38,523
Financial Highlights & Ratios
PEG Ratio-1.72
Price to Book (P/B)1.16
Price to Sales (P/S)1.97
P/FCF Ratio17.84
Enterprise Value/Market Cap1.42
Enterprise Value/Revenue2.86
Enterprise Value/Gross Profit4.60
Enterprise Value/Ebitda11.51
Forecast
1Y Price Target
$63.00Price Target Upside-0.77% Downside
Rating ConsensusHold
Number of Analyst Covering1
Great Southern Bancorp Business Overview & Revenue Model
Company DescriptionGreat Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States. Its deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, certificates of deposit, brokered certificates, and individual retirement accounts. The company's loan portfolio comprises residential and commercial real estate loans, construction loans, commercial business loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, including automobile loans, boat loans, home equity loans, loans secured by savings deposits. It also provides insurance and merchant banking services. As of December 31, 2021, the company operated 93 retail banking centers and approximately 200 automated teller machines in Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas; and six commercial and one mortgage loan production offices in Atlanta, Chicago, Dallas, Denver, Omaha, Nebraska, Phoenix and Tulsa, Oklahoma, Springfield, and Missouri. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri.
How the Company Makes MoneyGreat Southern Bancorp generates revenue primarily through interest income from its loan portfolio, which includes residential and commercial mortgages, consumer loans, and business loans. The company also earns non-interest income through service fees, account maintenance fees, and investment advisory services. Additionally, GSBC benefits from net interest margin, which is the difference between the interest earned on loans and the interest paid on deposits. Partnerships with local businesses for loan syndications and community investment initiatives further contribute to its earnings, helping the bank to expand its customer base and increase its market presence.
Great Southern Bancorp Earnings Call Summary
Earnings Call Date:Jul 16, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Oct 15, 2025
Earnings Call Sentiment Positive
The earnings call reflects a positive sentiment overall, with improved net income, a strong net interest margin, solid asset quality, effective expense management, and a robust capital position. However, challenges include a contraction in the loan portfolio, a decrease in total deposits, and a decline in noninterest income.Q2-2025 Updates
Positive Updates
Improved Net Income
Net income for the quarter was $19.8 million or $1.72 per common share, up from $17 million and $1.45 per share in the same quarter a year ago, driven by higher net interest income and unusually large tax credit partnership income.
Increase in Net Interest Margin
The annualized net interest margin improved to 3.68%, which is 25 basis points above the level from a year ago and 11 basis points higher than the first quarter of 2025.
Strong Asset Quality
Nonperforming assets were $8.1 million, representing 0.14% of total assets, a $1.5 million decrease from March 31, 2025, with no provision for credit losses on outstanding loans in the second quarter.
Effective Expense Management
Noninterest expenses for the second quarter of 2025 were $35 million, down $1.4 million from the $36.4 million in the year ago quarter, despite continued investments in infrastructure and personnel.
Strong Capital Position
Total stockholders' equity increased to $622.4 million, representing 10.6% of total assets, with a book value of $54.61 per common share.
Negative Updates
Loan Portfolio Contraction
Gross loans totaled $4.6 billion, a decline of $157 million or 3.3% from the $4.76 billion at the end of the year, partially due to large loan payoffs.
Decrease in Total Deposits
Total deposits decreased by $73.9 million or 1.6% from the end of the first quarter of 2025 to $4.68 billion, mainly due to a $62.1 million reduction in broker deposits.
Decline in Noninterest Income
Noninterest income for the quarter totaled $8.2 million, a decrease of $1.6 million or 16.5% compared to the second quarter last year, impacted by unusual items in both 2024 and 2025.
Company Guidance
During the second quarter of 2025, Great Southern Bancorp, Inc. reported solid financial performance with net income rising to $19.8 million, translating to $1.72 per common share, compared to $17 million or $1.45 per share in the same quarter of the previous year. The improvement was attributed to higher net interest income, which climbed to $51 million, marking an 8.9% increase from $46.8 million a year ago, driven by stable loan and investment yields and reduced funding costs. The annualized net interest margin improved to 3.68%, rising 25 basis points year-over-year. Additionally, nonperforming assets decreased to $8.1 million, representing 0.14% of total assets, a $1.5 million decrease from the previous quarter, underscoring the company's strong credit quality. Despite a challenging operating environment, the bank maintained robust expense management, with noninterest expenses decreasing to $35 million from $36.4 million in the prior year quarter. The efficiency ratio improved to 59.16%, reflecting disciplined cost control. Total deposits saw a reduction of $73.9 million from the first quarter of 2025, primarily due to a decline in broker deposits, while total assets stood at $5.85 billion at the end of the quarter. The bank emphasized a commitment to prudent risk management and maintaining strong capital levels, with stockholders' equity increasing to $622.4 million, representing 10.6% of total assets.Great Southern Bancorp Financial Statement Overview
Summary
Great Southern Bancorp demonstrates strong financial health with consistent revenue and profit growth, efficient operations, and effective cash flow management. The low leverage and stable balance sheet position the company well for future growth, although modest growth in stockholders' equity may limit leverage opportunities.Income Statement
Great Southern Bancorp has shown consistent revenue growth with a notable increase of 2.3% in the TTM compared to the previous annual period. The gross profit margin is robust at approximately 62.1%, indicating effective cost management. Net profit margin stands at 18.3%, reflecting strong profitability. The EBIT and EBITDA margins are healthy at 22.5% and 24.8%, respectively, highlighting operational efficiency.82
Very Positive
Balance Sheet
The company maintains a low debt-to-equity ratio of 0.29, which suggests prudent financial leverage. The equity ratio is 10.2%, indicating a stable capital structure. ROE is solid at 10.7%, reflecting efficient use of equity to generate profits. However, stockholders' equity has seen modest growth, which may limit future leverage opportunities.78
Positive
Cash Flow
Free cash flow has grown significantly by 104.3% in the TTM, reflecting strong cash generation capabilities. Operating cash flow to net income ratio is 1.31, indicating effective conversion of earnings to cash. The free cash flow to net income ratio is 1.22, demonstrating robust free cash flow generation relative to net income.85
Very Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 357.90M | 355.26M | 326.91M | 261.12M | 236.99M | 252.75M |
| Gross Profit | 222.27M | 216.99M | 226.37M | 227.57M | 222.00M | 196.32M |
| EBITDA | 88.94M | 84.45M | 94.66M | 103.88M | 105.50M | 85.17M |
| Net Income | 65.56M | 61.81M | 67.80M | 75.95M | 74.63M | 59.31M |
Balance Sheet | ||||||
| Total Assets | 5.99B | 5.98B | 5.81B | 5.68B | 5.45B | 5.53B |
| Cash, Cash Equivalents and Short-Term Investments | 642.25M | 195.76M | 689.54M | 659.11M | 1.22B | 978.66M |
| Total Debt | 176.95M | 166.34M | 172.81M | 189.64M | 101.60M | 175.69M |
| Total Liabilities | 5.38B | 5.38B | 5.24B | 5.15B | 4.83B | 4.90B |
| Stockholders Equity | 613.29M | 599.57M | 571.83M | 533.09M | 616.75M | 629.74M |
Cash Flow | ||||||
| Free Cash Flow | 79.95M | 39.14M | 73.40M | 46.47M | 79.24M | 37.70M |
| Operating Cash Flow | 86.00M | 44.06M | 80.70M | 66.58M | 84.98M | 46.05M |
| Investing Cash Flow | -179.55M | -175.39M | -88.21M | -801.28M | 190.71M | -131.35M |
| Financing Cash Flow | 139.28M | 115.75M | 50.32M | 185.95M | -122.15M | 428.87M |
Great Southern Bancorp Technical Analysis
Positive
63.49
Price Trends
60.24
Positive
58.04
Positive
58.26
Positive
Market Momentum
1.35
Negative
63.59
Neutral
77.28
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GSBC, the sentiment is Positive. The current price of 63.49 is above the 20-day moving average (MA) of 61.31, above the 50-day MA of 60.24, and above the 200-day MA of 58.26, indicating a bullish trend. The MACD of 1.35 indicates Negative momentum. The RSI at 63.59 is Neutral, neither overbought nor oversold. The STOCH value of 77.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GSBC.
Great Southern Bancorp Risk Analysis
Great Southern Bancorp disclosed 34 risk factors in its most recent earnings report. Great Southern Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Great Southern Bancorp Peers Comparison
Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $719.24M | 10.83 | 11.48% | 2.52% | 4.55% | 16.84% | |
78 Outperform | $691.15M | 14.22 | 6.92% | 0.37% | 17.31% | 251.27% | |
76 Outperform | $853.08M | 14.15 | 6.84% | 3.84% | 7.86% | 170.93% | |
75 Outperform | $686.29M | 12.86 | 8.47% | 4.14% | 22.21% | 6.20% | |
72 Outperform | $679.69M | 10.69 | 14.39% | 3.11% | 3.17% | -1.53% | |
68 Neutral | $17.80B | 11.87 | 10.23% | 3.74% | 9.69% | 1.18% | |
55 Neutral | $601.91M | ― | -2.63% | 3.33% | -2.45% | 15.35% |
* Financial Sector Average
Performance Comparison
GSBC
Great Southern Bancorp
63.49
9.42
17.42%
CAC
Camden National
40.56
4.18
11.49%
EGBN
Eagle Bancorp
19.82
-0.56
-2.75%
HBNC
Horizon Bancorp
16.65
1.79
12.05%
IBCP
Independent Bank
32.82
1.36
4.32%
NBBK
NB Bancorp, Inc.
18.85
0.85
4.72%
Great Southern Bancorp Corporate Events
Financial Disclosures
Great Southern Bancorp Reports Q2 2025 Earnings Growth
Positive
Jul 17, 2025
Great Southern Bancorp reported preliminary second-quarter 2025 earnings of $1.72 per diluted common share, reflecting a net income of $19.8 million, up from $1.45 per share and $17.0 million in the same period last year. The company saw an 8.9% increase in net interest income due to lower interest expenses, alongside a decrease in non-performing assets and strong capital and liquidity positions, which supported strategic growth opportunities and shareholder value returns.
Business Operations and StrategyFinancial Disclosures
Great Southern Bancorp Reports Diverse Loan Portfolio
Neutral
Jul 16, 2025
As of June 30, 2025, Great Southern Bancorp reported a diverse loan portfolio totaling $4.61 billion, with significant allocations in multi-family and commercial real estate sectors. The company’s strategic regional presence, particularly in St. Louis and Texas, highlights its focus on expanding its market share in key areas, which could impact its competitive positioning and stakeholder interests.
Dividends
Great Southern Bancorp Declares Quarterly Dividend
Positive
Jun 18, 2025
On June 18, 2025, Great Southern Bancorp, Inc. announced a quarterly dividend of $0.40 per common share for the second quarter of 2025, marking the 142nd consecutive quarterly dividend. This dividend will be payable on July 15, 2025, to stockholders of record as of June 30, 2025, reflecting the company’s ongoing commitment to returning value to its shareholders.
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.